Money-Saving Tips from Tibs and Shell

[Shell B]

@operator

If you are in that kind of position, get a cash back credit card and use it. Credit cards are only scary if you can't pay them off each month. If you pay them off in full, then you don't get charged interest, meaning your cash back is free money.

Also, keeping a credit card active and paid off will improve your credit score which will be important when you actually need to borrow money, like with a mortgage.

This. We pay all of our big bills on it too and just pay it off immediately. We make hundreds a year, I'd wager, from just our usual spending.

As for the penny pinching, we don't have kids or a house (yet), either. We both work from home, so it is really easy for us to find time to do it. It's not practical to do what we do if you have a full or more time job. Some of it is easy to do, but others take time.